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Otis Mcdowell from Memphis, TN

Age 78 b. 8/28/1947
📍 4212 Laurel Trce, #memphis, TN 38128-7400
✉️ kwasi_mcdowell3@aol.com, omcdowell@juno.com, omcdowell@yahoo.com
👨‍👩‍👧 Relatives: Mary E Mcdowell,Alpha Carlanda Fields,Alpha Carlanda Mcdowell,Cleve Mcdowell,Cleve Mcdowell,Demarcus C Mcdowell,Eleanor J Smith,Juanita Mcdowell,Kwasi Mcdowell,Kwasi Mcdowell,Odis Dexter Mcdowell Jr,Yolanda Y Mcdowell,Ada J Mcdowell,Aline W Mcdowell,Alpha Carlanda Mcdowell,Andra Lewis,Bennie Troupe,Bobby Joe Smith 3rd,Carlos C Fields,Claudia Palett Mcintosh,Consuelo Y Lewis,Cortez T Lewis,Crystal L Perry,Daron Lewis,Daron C Lewis,Della A Lewis,Eric L Troupe,Hartsell S Fields,Ira Joe Mcdowell Sr,James A Toogood,Jamila A Almodovar,John W Mcdowell,John W Mcdowell,Kayla Mcdowell,Kayla Mcdowell,Lee Dora Fields,Linda M Toogood,Mary S Gibbs,Molly Taylor Troupe,Patricia Ann Maxwell,Paul D Mckinney,Taylor M Troupe,Torrey R Smith,Trina Troupe,Tyshon T Lewis Sr,Tyshonda T Sherman,Vanea S Lewis,Yolanda Y Lewis,Yolanda Troupe
🕐 16 previous addresses

Otis Mcdowell

Age 78 b. 1947-08-28
📍 4212 Laurel Trce, Memphis Tn
📞 (901) 494-6372, (901) 382-7702
✉️ MCDOWELLO@ATT.NET, mcdowello@att.net

Otis Mcdowell from Timmonsville, SC

Age 45
📍 6528 Oates Hwy, Timmonsville, SC 29161
📞 (843) 346-3739, (719) 572-0264, (912) 877-0185, (817) 526-7806
✉️ ssg_mac2000@yahoo.com
👨‍👩‍👧 Relatives: Phylisha E Mcdowell,James L Mcdowell,Mary L Mcdowell,William E Mcdowell,Frank Mcdowell,Frank Mcdowell

Mr Otis L Mcdowell from Gray Court, SC

Age 73 b. 11/12/1952
📍 103 Irene Rd, #gray Court, SC 29645-6784
👨‍👩‍👧 Relatives: Candance Lashawn Dillard,Cedric L Mcdowell,Debra L Mcdowell,Demarcus T Mcdowell,Leroy M Garrett Jr,Angela Renee Landreth,Brenda W Garrett,Brooks T Lee,Candan Dillard Dillard,David F Dillard,Diana R Garrett,Lautrice Shantay Stroud,Lee Anthony Williams,Leroy Garrett,Leroy Garrett,Martha Mae Garrett,Myra L Turk,Rayshaun Mosley,Shannon O Garrett,Willie James Garrett Jr,Aaron S Whitmire,Annie Mae Whitmire,Anthony Cheeks,Anthony K Loftis,Austin B Cheek,Bernice M Mercer,Betty Irby,Betty Ruth Whitmire,Betty Whitmire,Carlene W Cheeks,Carlene W Cheeks,Carlene W Cheeks,Erral E Stroud Sr,Heather M Doak,Jeffrey A Irby,Jennifer Joanne Gonzales,Jessie R Irby,Jimmy B Whitmire,Lautrice S Stroud,Leila Cheeks,Patricia A Hay,Rena L Whitmire,Rena Whitmire,Rickey L Irby,Robert Eugene Turk,Scott J Kreutzer,Shavonti E Whitmire,Steven Art Mercer Jr,Takeia Whitmire,Todd H Cheek
🕐 8 previous addresses

Mr Otis Lee Mcdowell from Charlotte, NC

Age 61 b. 10/24/1964
📍 507 Fairwood Ave, #charlotte, NC 28203-5415
👨‍👩‍👧 Relatives: Charlene Marie Mcdowell,Annie P Mcdowell,Betty J Mcdowell,Demareo Donquett Mcdowell,Demario D Mcdowell,Douglas M Mcdowell,James Anto Mcdowell,Laure E Hall,Maria Mcdowell,Mcdowell Brodrick,Otis Mcdowell,T Mcdowell,Tonja J Mcdowell,Wanda Jacqueline Mcdowell,Wanda Mcdowell,William T Mcdowell,Annie D Mcdowell,Annie Mcdowell,Betty A Walker,Brenda D Bragg,Charles L Joplin,Chelita M Little,Cora L Little,Cora L Little,David Terrell Little,Deborah Hall,Douglas Mc Dowell,Erica Lucratia Little,Frances Hall,Jarvis T Little,John L Mcdowell,Jorushia Rene Little,Joy Iona Bittle,Keanna E Mcdowell,Kim L Mcdowell,L Hall,Lakeisha A Rice,Latisha M Mclaughlin,Laure Elizabeth Hall,Lawrence E Hall,Lazaris M Little,Lucreatia C Little,Lynda G Mcdermott,Margaret A Mclaughlin,Sonja A Martin,Stephanie Weddington,Thomas J Little,Toshia Hall,Zabian L Weddington
🕐 10 previous addresses

Otis Mcdowell from Memphis, TN

Age 53
📍 1408 Alamo St, Memphis, TN 38114
📞 (901) 743-2235, (901) 527-4176, (901) 743-2235, (901) 743-6037, (901) 743-1321, (901) 483-6512
👨‍👩‍👧 Relatives: Gary E Mcdowell,Odessa Beatrice Mcdowell,Kisa Yvette Mcdowell,Terrance A Mcdowell,Jeremiah Mcdowell

Otis Mcdowell from Houston, TX

Age 64
📍 7627 Belgard St, Houston, TX 77033
📞 (713) 734-0850, (713) 734-0850, (713) 991-2414
👨‍👩‍👧 Relatives: Loretha Gilbert Mcdowell,Adolphus Mcdowell,Mcdowelll Loretta,Loretha A Mcdowell

Otis C Mcdowell from Memphis, TN

Age 85 b. 12/3/1940
📍 5734 Winter Tree Dr, #memphis, TN 38115-6129
👨‍👩‍👧 Relatives: David Mcdowell,Earline Mcdowell,David A Mcdowell,Jimmie L Mcdowell,Alicia Mcdowell,Allen Mcdowell,Bernard R Bledsoe,David A Mcdowell,Earlene E Holts,Earlene Holts,Eddie M Bledsoe,Eliza Mae Bledsoe,Emmett B Griffin,Evelyn R Mcdowell,Gaylord M Mcdowell,Janice Rose Bledsoe,Joseph M Mcdowell Jr,Joseph E Mcdowell,Joseph Mcdowell Jr,Jovita C Mcdowell,Judy H Black,Kavonte L Mcdowell,Kerri L Holts,Khantessa L Bledsoe,Loretta A Mcdowell,Minnie Lue Taylor,Mose E Holts,Nadolyn E Mcdowell,Paula Bledsoe Williams,Renee Mcdowell,Ruby Glodeen Anderson,Stephanie M Dowell,Stephanie Polega,Steve Holts,Taurus N Holts Sr,Tywanda R Doyle,Vanessa Jean Holts,Yorel Mc Mcdowell,Adilah Sykes Hasan,Cheryl L Griffin,Corinne Al Chase,Darrick Jackson,Dwight L Warren,Kim Marie Coleman,Lisa C Jahnke,Lois L English,Marcialene E Taylor,Samuel G Douglas,Shelley B Williams,Shellia L Jackson

Otis Mcdowell from Phoenix, AZ

Age 83 b. Aug 1942 Maricopa Co.
📍 4602 W Mitchell Dr
📞 (314) 293-0514

Otis Mcdowell from Sylmar, CA

Male
📍 13050 Dronfield Ave
📞 (818) 943-7581 (T-MOBILE)

Otis Mcdowell from Austell, GA

Age 83 b. 1943 Male
📍 6201 Pine Creek Ct
📞 (404) 395-5323

Otis Mcdowell from Smyrna, GA

Age 50 b. Aug 1975 Cobb Co.
📍 2950 S Cobb Dr Se

Otis Mcdowell from Atlanta, GA

Age 100 b. Dec 1925 Fulton Co.
📍 339 Simon St Se

Otis Mcdowell from Memphis, TN

Age 65 b. Sep 1960 Shelby Co.
📍 1408 Alamo St
👤 aka Mc Otis

Otis Mcdowell from Forest City, NC

Age 64 b. Jun 1961 Rutherford Co.
📍 220 Mcginnis Rd

Otis Mcdowell from Memphis, TN

0
📍 1137 Rogers, Memphis, TN 37501

Otis Mcdowell from Memphis, TN

Shelby Co.
📍 5472 Pleasant View Rd
📞 (209) 952-7849

Otis Mcdowell from Washington, DC

District Of Columbia Co.
📍 5010 Southern Ave Se
📞 (202) 582-6061

Otis Mcdowell from Decatur, GA

Dekalb Co.
📍 3686 Larkspur Ter
📞 (404) 288-7441

Otis Mcdowell from Columbus, GA

Muscogee Co.
📍 1206 Bedford Ave
📞 (706) 653-6779

Otis Mcdowell from Memphis, TN

📍 5472 Pleasant View Rd, #memphis, TN 38134-6401

Otis Mcdowell from Las Vegas, NV

📍 6354 Wild Chive Ave

Otis Mcdowell from Colorado Springs, CO

El Paso Co.
📍 920 Chapman Dr 7

Otis Mcdowell from Atlanta, GA

📍 330 Banberry Dr Se

Otis Mcdowell from Houston, TX

📍 7627 Belgard St

Otis Mcdowell from Charlotte, NC

Mecklenburg Co.
📍 1719 Russell Ave 1

Otis Mcdowell from Atlanta, GA

Fulton Co.
📍 540 Langhorn St

Otis Mcdowell from Houston, TX

Harris Co.
📍 5970 Doolittle Bl

Unknown Person

Source: Public Records Aggregators · Commercial Data Providers · Consumer Data Sources Our search returned 29 contact records for Otis McDowell across 10 states. The most recent address on file is in Phoenix, Arizona. Of these records, 14 include phone numbers and 3 include email addresses. Ages range from 45 to 64, which may indicate multiple individuals sharing this name. Records are compiled from government agencies and commercial data sources. Data accuracy varies by source.

Otis McDowell

Douglasville, 30134
DOB: 1/1/1952 Gender: Male
Congress: 013

Otis McDowell

Bethlehem, 30620
DOB: 1/1/1975 Gender: Male
Congress: 010

Otis J McDowell

1914 Frankford Ave, Panama City, , 32405

Otis McDowell

Reg: 20170117
7924 Lake Stone Cir, Douglasville, 30134
Gender: Male

otis LEE mcdowell

Unaffiliated Reg: 10/03/1996
3101 Timberbrook Dr #c, Charlotte, NC, 28208
DOB: 1964 Gender: Male
County: Mecklenburg

Otis McDowell

3619 Generation Ct, Las Vegas, NV, 89129
County: Clark

Source: State Election Offices · Secretary of State Voter Files · Board of Elections 6 voter registration records were found for Otis McDowell in , North Carolina, Nevada. Party affiliation is listed as UNA. Voter data is released as public information under state election laws and reflects status at time of the state data release.

2007 CHRYSLER SEBRING
· Registered to: Otis McDowell
· VIN: 1C3LC56R77N524075
·
6201 Pine Creek Ct, Austell, GA, 30168
·
(770) 745-9874
1994 DODGE RAM 2500 FULL SIZE TRUCK
· Registered to: Otis McDowell
· VIN: 1B7KC26C0RS506670
·
2001 N Loy Lake Rd Ste D, Sherman, TX, 75090
2007 NISSAN FRONTIER
· Registered to: Otis McDowell
· VIN: 1N6AD09U57C413729
·
6354 Wild Chive Ave, Las Vegas, NV, 89122-3556
·
891223556
2008 Chevrolet TrailBlazer
· Registered to: Otis Mcdowell
· VIN: 1GNDS13S382121899
·
46006 Lookout Dr, Memphis, TN, 48044-6236
·
(901) 382-7702
2001 LINCOLN NAVIGATOR
· Registered to: Otis McDowell
·
259 Burdick School Rd, Campbellsville, KY, 42718

Source: State DMV Records · DPPA-Compliant Data Providers · Vehicle Registration Databases 5 vehicle registration records are associated with Otis McDowell. Registered makes include Chrysler, Dodge, Nissan, Chevrolet and others. The most recent model year on record is 2008. Vehicle data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.

12th Ward Independent Democratic Club

Otis McDowellDirector
York, PA

Otis McDowell

S-3 And Staff Duty Ncoic
Us Army
Fort Benning, Georgia, United States Military
LinkedIn

Otis McDowell

S-3 And Staff Duty Ncoic
Us Army
Georgia
LinkedIn

Otis McDowell

MILITARY at 194TH ARMOR BD

Source: State Secretary of State · SEC EDGAR · LinkedIn Professional Data · Business Registries 5 business affiliations were found for Otis McDowell. Companies include Us Army. Roles listed include Director. Records are compiled from state business registries, SEC filings, and professional networking databases.

New Living Water Fellowship Baptist Church, INC.

Addr: 330 Banberry Drive SE, Atlanta, GA, 30315
GA
Officer: Otis O. McDowell

New Living Water Fellowship Baptist Church, INC.

Addr: 330 Banberry Drive SE, Atlanta, GA, 30315
GA
CEO: Otis McDowell

Source: Public Records Otis McDowell appears in 2 corporate filings from state Secretary of State offices and SEC EDGAR, listed as an officer, director, or registered agent.

Otis McDowell

Lamar High School - Lamar, SC, SC
1987

Source: Historical Yearbook Archives · State Dept. of Education · Educator License Databases Otis McDowell has 1 education-related record on file, which may include educator certifications and historical yearbook entries. Yearbook data represents a historical snapshot and may not reflect current information.

MP

Otis L McDowell

Age 52 Male
·
3311 Sutton Dr, Charlotte, NC 28216 (Mecklenburg County)
35.2662, -80.8640
Marital: Married TZ: Eastern
Edu: Some College
Single Family
MP

Otis McDowell

Age 65 Male
·
7924 Lake Stone Cir, Douglasville, GA 30134 (Douglas County)
33.7633, -84.7544
· (770) 577-4186
Marital: Inferred Married TZ: Eastern
Homeowner Single Family Built 2003 Purchased 2003
MP

Otis McDowell

Age 48 Male
·
6528 Oates Hwy, Timmonsville, SC 29161 (Florence County)
34.1680, -79.9642
· (843) 230-1330
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family
MP

Otis McDowell

Male
·
1666 Dillard Way, Bethlehem, GA 30620 (Barrow County)
33.9246, -83.7471
TZ: Eastern
Homeowner Single Family Built 2014 Purchased 2015
MP

Otis McDowell

Male
·
116 Mayfield Dr, Campbellsvlle, KY 42718 (Taylor County)
37.3573, -85.3577
· (270) 789-6903
TZ: Eastern
Single Family
MP

Otis McDowell

Age 64 Male
·
103 Irene Rd, Gray Court, SC 29645 (Laurens County)
34.5751, -82.0888
· (864) 340-6008
Marital: Married TZ: Eastern
Occ: Service Industry Edu: Some College
Homeowner Single Family
MP

Otis C McDowell

Age 53 Male
·
329 Johnson Cir W, Memphis, TN 38112 (Shelby County)
35.1409, -89.9536
· (901) 743-6037
Marital: Single TZ: Central
Occ: Service Industry Edu: High School
Homeowner Single Family
MP

Otis O McDowell

Age 74 Male
·
6201 Pine Creek Ct, Austell, GA 30168 (Cobb County)
33.8038, -84.6067
· (404) 353-4293
Marital: Married TZ: Eastern
Edu: High School
Homeowner Single Family

Source: Consumer Marketing Databases · Commercial Data Aggregators Marketing databases contain 8 demographic profiles associated with Otis McDowell. This data is compiled from commercial aggregators and may include estimated income ranges, lifestyle indicators, and household characteristics. Accuracy is not guaranteed.

Note: PPP loans shown are for businesses with addresses associated with Otis McDowell. These loans were issued to businesses, not individuals.

Odis McDowell Sr

Sole Proprietorship

$20,525 Exemption 4
Address:
4212 Laurel Trce
Memphis, TN38128-7400
Approved

May 13, 2021

Jobs Reported

1

Loan #

1415099009

Loan Size

Small

Jermario Jordan

Sole Proprietorship

$18,362 Paid in Full
Address:
13050 Dronfield Ave
Sylmar, CA91342-4382
Approved

May 14, 2021

Forgiven

$18,506

Jobs Reported

1

Loan #

2035869007

Loan Size

Small

Source: SBA PPP Loan Data · CARES Act Public Disclosures 2 PPP loan records are linked to businesses associated with Otis McDowell. These Paycheck Protection Program loans were part of the 2020-2021 CARES Act pandemic relief and were released by the SBA under FOIA.

Otis McDowell

Scratch Tickets
$1,000
Prize Won
·Houston, TX
Claimed: 2002-05-01T00:00:00.000

Source: IMDb · Open Library · Sports Reference · FIDE Chess Federation Additional public records from specialized databases including entertainment industry credits (IMDb), published works (Open Library), sports statistics, and other publicly available reference sources.

Find Otis McDowell on the map

Blank map of the United States, territories not included Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia West Virginia Wisconsin Wyoming District of Columbia District of Columbia
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Found 46 results across 12 states

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Otis McDowell in Memphis, TN: Background Summary

Location
4212 Laurel Trce, Memphis Tn, Memphis, TN
Other Locations
Phoenix, AZ · Sylmar, CA · Austell, GA and 10 more
Profiles Found
29 people with this name
Phone Numbers
(901) 494-6372 and 18 others on file
Email
kwasi_mcdowell3@aol.com and 4 others on file
Possible Relatives
Mary E Mcdowell, Alpha Carlanda Fields, Alpha Carlanda Mcdowell, Cleve Mcdowell, Demarcus C Mcdowell and 197 more
Career
Director at Us Army
Voter Registration
Registered No Party Preference
Vehicles
5 linked — 2007 Chrysler Sebring, 1994 Dodge Ram 2500 and 3 more
PPP Loans
$38,887 for Odis McDowell Sr, Jermario Jordan

This information is compiled from publicly available records and may include data for multiple individuals with similar names. Data may contain inaccuracies or be incomplete. This information should not be used for employment screening, tenant screening, credit decisions, or any purpose covered by the Fair Credit Reporting Act (FCRA). Always verify information independently before making any decisions.

How to Read This Report

This page aggregates publicly available records from government agencies, court systems, and official registries into a single report for Otis McDowell. Because public records are indexed by name rather than by a unique identifier, the 61 results displayed here may include information belonging to multiple individuals who share the same name — a common occurrence, especially for frequently appearing names. To determine which records belong to the person you are researching, compare the location, approximate age, and any associated details across entries. Records that share an address or overlapping timeframe are more likely to refer to the same individual.

What Each Data Category Means

Voter Registration

Voter registration data is maintained by state and county election offices and is considered public record under the election laws of most states. The party affiliation shown reflects the voter's registration at the time the record was filed; it does not necessarily indicate current political preferences, as voters may change their affiliation or register differently in subsequent elections. Not all states make their voter files publicly available — some restrict access or redact certain fields such as date of birth or residential address — so the completeness of voter data varies by state. Registration status (active or inactive) indicates whether the election office considers the registration current, not whether the person actually voted in recent elections.

Business and Professional Records

Business records are compiled from state Secretary of State filings, SEC EDGAR corporate disclosures, and professional networking data. When a person appears as an officer, director, or registered agent, it reflects a formal role filed with a government agency — these are legal positions of responsibility, not informal job titles. Records sourced from professional profiles represent information that individuals have chosen to make publicly available about their career history, skills, and affiliations. Business entity registrations show current or historical standing with the state, but a listing does not guarantee the entity is still actively operating.

Vehicle Records

Vehicle ownership records are obtained through sources that comply with the Driver's Privacy Protection Act (DPPA), the federal law that governs who may access motor vehicle records and for what purposes. The records shown indicate vehicles that have been registered to this individual through state DMV systems. Vehicle data may include make, model, year, and VIN, and reflects registration information at the time the record was filed. Vehicles that have been sold, traded, or transferred may still appear until the registration is updated in the state's records.

Important Limitations

Public records may contain outdated information, data entry errors, or records that belong to a different person who shares the same name as the individual you are researching. Government agencies update their records on varying schedules, and the data shown here may not reflect the most recent changes. Information on this page is provided for informational purposes only and should not be used for employment screening, tenant screening, credit decisions, or any other purpose regulated by the Fair Credit Reporting Act (FCRA). Always verify critical details through the originating government agency or official registry.

Your Rights

If you are the person described in these records, you have rights regarding your personal data. Under laws including the California Consumer Privacy Act (CCPA) and similar state privacy statutes, you may request the deletion or correction of your personal information. To submit a removal request, visit our opt-out page. For a complete description of how we collect, use, and protect personal data, please review our privacy policy.

Search Results Analysis for Otis McDowell

Search Complexity: High

61 public records across 12states, belonging to approximately 29 different individuals. With 29 distinct profiles across 12 states, additional identifying information such as a middle name, age, or city will significantly narrow these results.

For this search, the Voter Registration Records section may be most helpful for disambiguation because these records include birth year, party affiliation, and county — highly useful for narrowing results.

Geographic Distribution

Records are widely distributed across 12 states. Highest concentration: Georgia (21%), followed by Tennessee and Texas. Spans the South and West regions.

GA13recordsTN8recordsTX5recordsSC5recordsNC5recordsNV3records

Record Type Breakdown

Data spans 6 record categories. Largest: Contact & Address Records (61%), which contain the most specific identifiers like phone numbers, email addresses, and physical addresses. Also includes Voter Registration Records (6) and Vehicle Registration Records (5).

31
Contact & Address Records
6
Voter Registration Records
5
Vehicle Registration Records
5
Business & Corporate Filings
2
Corporate Records
2
PPP Loan Records

Age Distribution

Age range: approximately 56 years, suggesting multiple generations. Largest group: Senior (65+) (58%).

Senior (65+)7peopleMiddle-Age (40-64)5people

Use the age information shown on individual record cards to help identify the correct person.

Frequently Asked Questions About Otis McDowell

Is Otis McDowell a registered voter?
Yes, voter registration records show Otis McDowell is registered. We found 6 voter registration entries across 3 states. Voter registration data is public record maintained by state election offices and released under state sunshine laws.
What vehicles are registered to Otis McDowell?
Records show 5 vehicle registrations associated with Otis McDowell, including a 2007 CHRYSLER SEBRING. Registered makes include Chrysler, Dodge, Nissan, Chevrolet. Vehicle registration data is obtained through DPPA-compliant providers and is regulated under the federal Driver's Privacy Protection Act.
What businesses are associated with Otis McDowell?
We found 5 business affiliations for Otis McDowell (DIRECTOR). Business records are compiled from state registries, SEC filings, and professional databases.
How many records exist for Otis McDowell?
Our database contains 61 total records for Otis McDowell spanning 12 states. This includes 29 distinct contact records, 14 with phone numbers, 3 with email addresses. Multiple records may represent different individuals sharing the same name. All data is compiled from publicly available government and commercial sources.
How accurate is the information shown for Otis McDowell?
The 61 records displayed for Otis McDowell are aggregated from government agencies, county offices, and official registries. While we source from authoritative databases, records can contain outdated information or belong to a different person with the same name. We recommend verifying important details through the original issuing agency before making decisions based on this data.
Can Otis McDowell remove this information?
Yes, any individual has the right to request removal of their personal information. Submit a free removal request through our opt-out page. Under the CCPA and similar state privacy laws, you can request deletion of your data. Removal is completed within 48 hours. You do not need to create an account.
Can I use this data for background checks or screening?
No. OpenDataUSA is not a Consumer Reporting Agency under the FCRA. These records may not be used for employment screening, tenant evaluation, credit decisions, insurance underwriting, or any other FCRA-regulated purpose. For official background checks, use an FCRA-compliant service.